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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270

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Auto Loan Refinance

$500 Cash for Summer Gas!¹

Get $500 cash for summer gas when you refinance your vehicle with us. Enjoy rates as low as 5.99% APR!

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Get a Better Payment

You can shorten your current loan term to pay your loan off faster or length it to lower your payment.

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Get $500 Cash for Summer Gas

Refinance your auto loan from another lender and we'll give you $500 for your summer road trips.¹

Apply Now

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No Payments for 90 Days

Take a break and get on top of your finances with a payment-free introductory period of 90 days!²

Credit Union Auto Refinance Details

Best For People who have an auto loan from another lender and want better rates and terms.
Amount Minimum of $10,000
Interest Rate As low as 5.99% APR for new and used vehicles. View all rates here.
Terms Up to 72 months
Low Fees No origination fee and no prepayment penalty

Auto Loan Calculator

What are you looking to finance?
How's your credit?
You are using this tool based on your self-assessment of your credit worthiness. If you submit an application for auto financing, the terms will depend on Neighborhood Credit Union's evaluation of your credit worthiness. The terms of your qualification may vary from the estimates in your self-assessment. You may be declined once Neighborhood Credit Union reviews your credit information.
How much would you like to finance?
The maximum Amount Financed may vary depending on the value of the vehicle you select, and may also be subject to verification of your income. This amount may include the sales price of the vehicle, applicable taxes and fees, and any optional warranty or insurance products, should you choose to purchase them.
Preferred Term Length (months)
Length of time (in months) over which you would like to repay the amount financed.
This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes onle. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
Estimated Monthly Payment
Estimated APR¹
Terms in Months

Apply Now
This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational and hypothetical purposes only. Actual terms will vary and the final annual percentage rate may differ from the annual percentage rate in the above results and are subject to credit approval. This auto loan calculator is not intended to provide legal, investment, or financial advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union. The terms and conditions of products offered by institutions will differ and may affect the results of the auto loan calculator. Please consult with qualified professionals to discuss your situation.

Refer a Friend, Earn $200 Cash

Through our Loan Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200 and $100 for a Personal loan!³

family of three happy in front of their r vBoat, RV, & Motorcycle Loans

Do you love being outdoors or on the water? Find out what Texas has to offer with recreational vehicle loan interest rates starting as low as 5.99% APR, we can finance your motor homes & travel trailers, motorcycles, boats & jet skis, and more.

Get $1,000 towards your next car purchase in the event of a total loss. 

In the event of a total loss, GAP pays the difference between what you owe on the car and your insurance company’s declared value.

Members who enrolled in GAP protection experienced the benefits when they needed it most, saving an average of $4,095 in 2023. Ask your Loan Officer or request more information. Protection pays off!

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Why refinance with us? 

Neighborhood Credit Union is the first credit union in Dallas, TX and now has several branches around the DFW Metroplex. We provide auto loan financing for new and used cars, auto refinancing, and recreational vehicle loans for motorcycles, boats, RVs and more.

As a not-for-profit credit union, we can pass our revenue on to you through great rates and fewer fees.

As a full-service digital financial institution, Neighborhood Credit Union offers free online banking accounts, online savings accounts, competitive CD rates, and even a high yield savings account - all accessible through Online Banking or the MyNCU Mobile App available on iOS or Android

Here's our easy credit union auto loan refinance application process:


Apply Online

Enter your personal information and details about your existing auto loan into our simple online portal.


Agree on an Offer

We'll promptly go over your application and, if approved, offer you a better rate and term than your current loan.


Save Money!

We'll give you the funds to pay off your old loan via check or bank transfer, then you'll start making your new payments.

Competitively Low New & Used Vehicle Loan Rates 

Rates are accurate as of February 8, 2024. Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Rates subject to change. Equal Opportunity Lender.
View Current rates
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Cash Back Checking

Earn cash back rewards with no minimum balance.

FAQs about Refinancing Auto Loans in Dallas, TX

A credit union auto loan refinance means you take out a whole new auto loan to replace your existing loan with another lender. Here's how it works:

  • Apply online for your auto loan refinance
  • We'll review your application and run a credit check, then quickly get back to you
  • Together, we agree on your new loan amount, rate, and terms and conditions then sign the loan contract
  • We'll give you a check or transfer the funds into your account so you can pay off your old loan with another lender
  • You start making payments on your new auto loan that better suits your goals, plus save on interest!
The annual percentage rate (APR) we offer you will depend on your credit score and also the loan term you choose. Higher scores get lower rates. Shorter terms get lower rates.

Refinancing your auto loan is a chance to see if you can get for a lower APR than what you got for your original auto loan. 

  • Maybe your credit score has improved since you took out your original loan so you'll qualify for a lower rate.
  • Maybe market rates have dropped.
  • Maybe you want to extend your term so you can pay your loan off sooner than planned.
  • Maybe you want to lower your payment to fit your budget.

Plus, if you're joining Neighborhood Credit Union to switch your auto loan from a different lender, you get to enjoy all our great members-only products and services!

Yes, you can take out a new auto loan for any portion of your current loan balance. If you want, you can use your own savings funds to pay off part of your current auto loan so that your new loan amount is smaller and you'll be debt-free faster.
There's no penalty if you pay your loan off early! Just make sure you include any unpaid fees and costs, unpaid interest, and your remaining principal in the final total.

¹Promotion: Offer limited to new or used car loans financed through Neighborhood Credit Union or to the refinance of auto loans from other lenders. Auto loans currently with Neighborhood Credit Union are not eligible for offer. Minimum financed loan amount of $10,000 is required. Eligible approved applicants will receive $500 cash back which will be deposited into the membership establishing savings account within 30 days of loan funding. $500 cash credit does not have to be applied to the purchase of fuel for any vehicle. Title fees apply to refinances. Offer subject to change without notice and expires 08/31/2024 at 11:59pm CT. Other restrictions may apply. Equal Opportunity Lender.
²90 Days No Payments: Interest begins accruing the day the loan is funded. Offer valid for a limited time only. Does not apply to vehicles currently financed through Neighborhood Credit Union. Up to 90 Days No Payments based on credit qualification.

³Referral: Member is paid $200 for auto loan referral after the referred loan has been funded. Auto loans must be a minimum of $15,000. Offer excludes existing loans financed through Neighborhood Credit Union and cannot be combined with any other new member referral offers. Member is paid $100 for personal loan referral after the referred loan has been funded. Personal loans must be a minimum $5,000. Offer subject to change without notice. Additional restrictions may apply.

†Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.